Commercial Credit Analyst I

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    "ExternalDescriptionStr": "<p>We are seeking a Capital Markets Commercial Credit Analyst to join our Farm Credit family! This position develops and analyzes all types of credit information for use by portfolio managers, loan officers, and loan committees in making lending decisions.&nbsp;Prepares complete loan packages independently for large and agribusiness loans, determines if the financial profile of the borrower meets underwriting standards, and operates within delegated lending authority.<span>&nbsp; &nbsp;</span>&nbsp;</p>\n<p><strong>Responsibilities:</strong></p>\n<p><strong>Credit Analysis:</strong> The role involves collaborating with assigned sales and capital markets staff to provide complete and accurate analysis of financial position on existing and prospective borrowers to ensure proper loan decisions are made and that risk is continuously evaluated and properly assessed in the portfolio.<span>&nbsp;</span>Additionally this role ensures loans are approved per delegated authorities.</p>\n<p><strong>Credit Administration:</strong> The role collaborates with assigned sales officers and capital markets staff to complete all loan servicing requirements on assigned accounts in accordance with loan service plan and financial information submission requirements. Additionally this role ensures administrative and servicing actions including extensions, waivers, amendments, partial releases, etc. are completed in collaboration with sales and capital markets staff. <span>.&nbsp;</span>This role works to maintain acceptable credit administration ratings on assigned portfolios.</p>\n<p><strong>Portfolio Servicing:</strong> The role involves monitoring loan portfolios to ensure timely and sound servicing, conducting periodic reviews, gathering information for renewals, and making informed recommendations. It also includes identifying deteriorating credit conditions and performing risk assessments to suggest necessary adjustments.</p>\n<p><strong>Requirements:</strong></p>\n<ul>\n <li>Education and/or experience equivalent to a Bachelor’s degree in Business Administration, Agriculture Economics, Finance, Accounting, or related fields.&nbsp; MBA preferred.</li>\n <li>3-7 years related work experience preferred</li>\n <li>Ability to communicate effectively with all levels of the organization</li>\n <li>Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the borrower and the Association</li>\n <li>Ability to travel within the assigned territory and across the country as needed</li>\n <li>Ability to work independently and as a team member under minimal supervision</li>\n <li>Excellent computer skills</li>\n <li>Focus on problem solving skills with solutions-driven results</li>\n <li>Current awareness of economic developments and production technology affecting agriculture in the region</li>\n</ul>\n<p><strong>Other Details:</strong></p>\n<p>AgSouth is an Equal Opportunity Employer, including veterans and individuals with disabilities.</p>\n<p><i>The location for this position is flexible depending of branch availability. This position will be an in-person role that will need to sit at a branch location in the AgSouth territory.</i></p>\n<p><strong>Why AgSouth?</strong></p>\n<p>When you work here, you have an opportunity to make a difference for agriculture and rural communities. Part of the national Farm Credit System, we are an agricultural lending cooperative that provides loans for land, production agriculture, farm equipment, crop insurance, leasing, and home mortgages. Our $4 billion portfolio of customers and strong presence in local communities across North Carolina, South Carolina, and Georgia allow us to effectively serve our member-borrowers as the largest agricultural lender in the southeast.</p>\n<p>At AgSouth, we value our employees and provide them room to grow both personally and professionally. If you’re looking for more than just a job, consider joining the AgSouth family!</p>\n<p><strong>What can we offer you?</strong></p>\n<ul>\n <li>Competitive pay, with paid vacation, holidays and sick leave, as well as paid time off for volunteering</li>\n <li>Corporate incentive plan with spot bonuses for top-notch work</li>\n <li>Medical, dental and vision insurance, as well as life and disability insurance</li>\n <li>Flexible spending and health savings accounts</li>\n <li>Generous 401(k) matching contributions, as well as additional employer contributions</li>\n <li>Reimbursement for approved higher education pursuits</li>\n <li>A wellness program for employees, which includes resources for a healthier lifestyle</li>\n <li>Corporate learning programs for professional development</li>\n <li>Other perks, such as employee discounts on select cell phone providers, computers, etc.</li>\n</ul>",
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